Update on Hilda LuciaHilda is 35 years old, married, and lives in Guaranda, in Bolívar province. She lives with her husband and three children.
The Art and Culture Communal Bank "Wari" is located in the community of Larkaloma, about 45 minutes from the office, and is comprised of eleven members.
Hilda works in agriculture, planting potatoes and raising cattle and chickens.
She is requesting this loan to purchase seed potatoes, cows and chickens, fertilizers and urea, and liquid herbicides, such that she can have her own business. She does her buying and selling in Guaranda on a weekly basis.
Her dream is to have her own vehicle, since many of the challenges she faces on a daily basis are due to the poor means of travel. In her spare time, she weaves wool clothing.
La VRC Arte y Cultura “Wari” se encuentra en la comunidad de Larkaloma a 45 minutos de la oficina, está conformada por 11 socios.
Hilda se dedica a la agricultura, siembre de papas y cría animales ganado y pollos.
Solicita el crédito para comprar semilla de papas, pollos y vacas, fertilizantesn urea, lìquidos para la maleza y así poder tener un propio negocio , las compras y las ventas lo hace en Guaranda de forma semanal.
Su sueño es tener un vehículo propio, ya que los desafíos a los se enfrentan diariamente son las malas vías de comunicación.
Su tiempo libre la dedica a tejar ropa de lana.
Previous Loan DetailsHilda Lucía is 33 years old, married, and lives in Guaranda, in Bolívar province. She lives with her husband and two children. The "Wari" Art and Culture Community Bank is located in Larkaloma community, 45 minutes from the office. It has 11 members. Hilda works in agriculture. She grows... More from Hilda Lucia's previous loan »
About Cooperativa San JoseThis loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador’s poorest province, Bolivar. They offer a unique loan called “Ventanillas Rurales” [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ’s Lending Team!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid